Hauppauge, NY · Charter 3633
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
73
Profitability
62
Liquidity
26
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hauppauge, NY · Charter 3633
NCUA · 8 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.40% | 0.14% | 0.20% | 0.21% | 0.40% | 0.44% | 0.45% | +25 bps | |
| Return on Equity | 2.89% | 3.72% | 1.32% | 1.88% | 1.97% | 3.65% | 4.02% | 4.03% | +215 bps | |
| Net Interest Margin | 3.56% | 3.61% | 3.61% | 3.75% | 3.85% | 3.95% | 4.09% | 4.36% | +61 bps | |
| Efficiency Ratio | 83.45% | 81.82% | 87.02% | 86.08% | 86.46% | 83.92% | 84.11% | 83.06% | -302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.64% | -2.12% | -1.04% | 1.24% | 1.53% | 1.42% | 1.93% | 0.15% | -109 bps | |
| Loan Growth (YoY) | 8.72% | 5.39% | 3.88% | 4.67% | 6.45% | 9.08% | 14.51% | 29.34% | +2,468 bps | |
| Share Growth (YoY) | -3.33% | -2.20% | -1.33% | 1.17% | 1.71% | 1.23% | 1.81% | -0.53% | -170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.81% | 1.02% | 0.94% | 0.74% | 0.78% | 0.61% | 0.58% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.73% | 10.84% | 10.67% | 10.70% | 10.82% | 11.02% | 10.87% | 11.13% | +44 bps | |
| Net Worth / Assets | 10.73% | 10.84% | 10.67% | 10.70% | 10.82% | 11.02% | 10.87% | 11.13% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.54% | 63.62% | 60.90% | 61.46% | 67.55% | 68.56% | 68.49% | 79.92% | +1,846 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hauppauge, NY · Charter 3633 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 8 branches
Q2 2026
Return on Assets
0.45%
Rank 74 of 159
Net Interest Margin
4.36%
Rank 45 of 159
Efficiency Ratio
83.06%
Rank 68 of 158
Equity / Assets
11.13%
Rank 117 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | 0.00% | 0.40% | 1.00% | Beats 53% | 74 / 159 | ||
| Return on Equity | 4.03% | 0.04% | 2.43% | 6.24% | Beats 60% | 63 / 159 | ||
| Net Interest Margin | 4.36% | 2.79% | 3.84% | 4.44% | Beats 72% | 45 / 159 | ||
| Efficiency Ratio | 83.06% | 74.21% | 85.84% | 96.50% | Beats 58% | 68 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.42% | 1.27% | 2.96% | Beats 73% | 44 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.13% | 10.80% | 14.61% | 21.35% | Beats 26% | 117 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.13% | 10.80% | 14.61% | 21.35% | Beats 26% | 117 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.92% | 27.85% | 44.27% | 75.14% | 78th pctl | 35 / 159 | ||
| Loans / Assets | 70.06% | 22.38% | 35.34% | 62.74% | 83rd pctl | 27 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||